| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $456 | $44K | $44K | 7.06% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN SERVICES | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $13K | $13K | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $859 | $859 | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.11% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $90 | $0 | $90 | 5.00% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD, SUITE 214 TUCSON, AZ 85705 | AFLAC | $54 | $0 | $54 | 3.00% |
| DAVID SCHENKEL3 | 4000 BLACKBURN LANE, SUITE 260 BURTONSVILLE, MD 20866 | AFLAC | $35 | $0 | $35 | 1.95% |
| SUSAN BUCKA3 | 4000 BLACKBURN LANE, SUITE 260 BURTONSVILLE, MD 20866 | AFLAC | $24 | $0 | $24 | 1.33% |
| NICHOLAS CAFFREY3 | 6502 NORTH CALLE LOTTIE TUCSON, AZ 85718 | AFLAC | $9 | $0 | $9 | 0.50% |
| BRIAN GEORGE JAEGGI Filed as: BRIAN JAEGGI | 2875 NW 28TH STREET BOCA RATON, FL 33434 | AFLAC | $1 | $0 | $1 | 0.06% |
| MJ INSURANCE3 Filed as: DONALD PRITCHETT AND VARIOUS AGENTS | 6729 GREEN MILL WAY COLUMBIA, MD 21044 | AFLAC | $1 | $0 | $1 | 0.06% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 115 | $629K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $56K |
| Vision | CAREFIRST BLUECHOICE, INC. | 115 | $629K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $56K |
| Short-term disability | AFLAC | 2 | $2K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 115 | $629K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.